Travel Insurance starting at just ₹306
-
Over 170 Countries Covered*
-
Medical Cover up to $500000*
-
100% Bills Covered
Travel Insurance Claim
With a rise in the number of international trips, India has also seen a boom in the purchase of travel insurance. 2025 witnessed a 43% year-on-year rise in travel policy purchases among Indian travellers. While the numbers signal increased financial awareness among the population, they also highlight the core underlying issue leading to these purchases. Flight delays, baggage loss and medical emergencies are some of the most common concerns tourists face during their trips.
However, just buying a travel insurance policy is not enough. You should also understand the coverage it provides and the situations in which it can help you. Most importantly, you should know how to make a travel insurance claim in times of need. The time limit for making the claim, the documents needed for approval, and the process to be followed.
Understanding this concern, IndusInd Travel Insurance (formerly Reliance Travel Insurance) has brought together this guideline, which not only informs you on how to file your claim but also explains the finer details of your policy without jargon. This guide makes sure you spend maximum time enjoying your trip, and not worrying about the what-ifs!
How to File a Travel Insurance Claim?
Inform Us
Reach out to us on our helpline or email. Clearly mention your policy number and concern for quick assistance.
Confirm Cashless Facility
Confirm with the hospital if they accept a cashless claim for your policy, and submit a filled-out claim form.
Document Verification
Our support team will review your documents and the claim form to initiate the process and notify you of the results.
Claims Approval
If approved, IndusInd Travel Insurance (formerly Reliance Travel Insurance) will place a Guarantee of Pay (GoP) with the hospital.
In case of Cashless Claims Denial
If the hospital declines the GoP, you can continue with your treatment and file for reimbursement afterwards.
Inform Us
Contact us on our helpline or email with your policy number and concerns, such as baggage loss and flight delay, etc.
Submit Documents
Fill out the claim form. Attach any necessary documents that apply to your situation and are needed for approval.
Additional Proof May Be Needed
Based on the claim, you may need to present copies of your passport, FIR, airline email, concerned flight details etc.
Document Verification
Our support team will review your documents and the claim form to initiate the process and notify you of the results.
Claims Approval & Reimbursement
If your claim is approved, we will notify you and process your reimbursement towards your registered bank account.
How to Contact Us For Travel Insurance Claim?
Contact Details
Inland Travel Helpline: +912248903009
International Travel (while abroad): 91-22-67347843/ 91-22-67347844
International Travel (while in India): 1800 209 5522
WhatsApp: 7400422200 for Inland Travel Claim
Email: indusind@europ-assistance.in
Mobile Application: IndusInd Insurance App
Website: Online Claim Intimation
Offline Visit: Locate your nearest branch here.
Disclaimer: Please refer to the official policy documents for the detailed claims process.
Documents Required To Make Travel Insurance Claims
To file a successful claim, it is important that you provide us with all the necessary documents. Below is a list of all the documents you may require to initiate the process. You can scan and email them to us at: indusind@europ-assistance.in
General Documents
Travel Documents & Claim Form: Duly fill and sign the claim form. Submit it along with your original ticket, boarding pass or a copy of your passport showing the travel dates.
For Medical Claims: Prescription, discharge summary, all test reports, and medical bills, etc. They must show your name, date of treatment, illness and items used for treatment.
For Theft & Emergency Cash: A copy of the police report filed within 24 hours of the incident. For theft, report obtained within 24 hours of discovering the item has gone missing.
Passport Loss: To get reimbursement for obtaining a replacement passport, make sure you have the original bill or receipt, clearly mentioning the cost of the new passport.
Additional Documents
Total Loss of Checked-In Baggage: You will need proof of ownership for lost items worth over $100. Also, a property irregularity report or any other report issued by the airline.
Delay of Checked-In Baggage: Property irregularity report from the airline with the date and time of arrival of the delayed baggage. Original bills of emergency items purchased.
Flight Delays & Missed Connections: Airline confirmation stating the scheduled and actual arrival time of the flight, along with reason for the delay. All original bills for costs.
For Third Party Liability: A police report and proof of judicial decision clearly stating the liability and compensation to be made to the third party.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document
How To Track Your Travel Insurance Claim Status Online?
Step
Navigate to “Show my Claims” in the top right corner of the page.
Step
Enter your policy number or claim number in the space provided.
Step
Confirm the entered number and click on the “Show my Claims” tab.
Step
You can now see the current status of your claim on the next page.
Circumstances In Which You Can Make A Travel Insurance Claim
You can never predict an emergency, much less during a trip to a foreign country. Based on your policy, here are some circumstances in which you can file a travel insurance claim with us. While the details are provided in your policy documents, here is an overview for your reference.
Medical and Dental Treatments
This includes dental treatments, emergency medical treatment and approved pre-existing diseases covered under your policy.
Lost or Delayed Check-in Baggage
If your baggage delay exceeds 12 hours, you can claim expenses for buying emergency items and for complete checked-in baggage loss.
Wallet Theft or Loss
If you lose your money during the trip, our team will help you arrange emergency cash so your trip doesn’t get disrupted.
Passport Loss
If you lose your passport during the trip for any reason, you can claim reimbursement for the cost of obtaining a new passport.
Flight Delays & Missed Connections
You can claim compensation for flight delays over 12 hours, including a missed connecting flight because of a previous flight delay.
Personal Liability
This claim includes accidental injury to another person or damage to their property, resulting in legal compensation for you during your trip.
Reasons Why Your Travel Insurance Claim May Be Rejected
Delayed Intimation
Preferably, file the claim within 24 hours or as soon as possible, based on the claim’s nature.
Incorrect Information
Providing wrong or incorrect information. Failure to submit all the necessary documents while making the claim.
Claiming Exclusions
If the damage incurred was not covered under your policy or was mentioned as an exclusion, it will not be compensated.
Fraud Claim
Raising claims for incidents that didn’t occur or misrepresenting facts to get claim approval.
Tips to Make Successful IndusInd Travel Claims
Do Not Delay
Based on your policy and the nature of the claim, it is preferred that you initiate your claim within 24 hours of the emergency or as soon as possible. Unexplained delays may lead to rejection.
Know Your Policy
Read all the policy-related documents carefully to understand your rights, claim process, exclusions and other fine details. This spares you the panic during the moment of emergency.
Understand the Exclusions
Most travel insurance policies do not cover expenses related to maternity treatment, personal negligence and legal violations, etc. These exclusions may vary based on your policy.
Gather Necessary Documents
Make sure to keep all the necessary documents like your boarding pass, passport, airline email, original bills and other important and supporting documents with you carefully.
Accurate Information
Make sure the information you provide is complete, correct and as far as possible, accurate. It helps avoid unnecessary delays during the review and reduces the chances of rejection.
Police Report
To claim compensation for incidents like wallet theft, passport loss, etc., make sure you obtain a copy of the police report, stating such loss, within 24 hours of the incident.
Seek Support
Our customer support team is available 24/7. If you need any help in imitating the claim, understanding the policy or anything else, feel free to reach out to us without hesitation.
How To Appeal A Rejected Travel Insurance Claim
Our team at IndusInd Travel Insurance (formerly Reliance Travel Insurance) thoroughly reviews every claim and its supporting documents before making a decision. If your claim gets rejected, and you are not satisfied with the outcome, you can always make an appeal with our Grievance Cell for further review.
While an appeal doesn’t guarantee approval, it provides an opportunity to address any discrepancies. Here is how you can contact us.
Particulars | Details |
|---|---|
Contact Number | 022 4890 3009 |
Website Link | https://ppdolphin.brobotinsurance.com/about-us/grievance-redressal |
Email ID | |
Address | Reliance General Insurance, Winway Building 2nd & 3rd Floor, 11/12 Block No-4, Old No-67, South Tukoganj, Indore (M.P) - 452001. Contact No. 022 41112600 |
Key Takeaways
Most travellers find it easy to purchase a travel insurance policy, but making a claim feels equally difficult. Many of us start panicking during an emergency and are unable to properly complete the paperwork or follow up with the insurance provider. In fact, one of the biggest reasons for most claim rejections is incorrect or incomplete information in the form-filling. While it may not always be deliberate, the complication of the process can make things harder to understand.
This is why IndusInd Travel Insurance (formerly Reliance Travel Insurance) has simplified the whole procedure for you. It barely takes a few minutes to purchase travel insurance from us, and making claims is equally easy. Our support is available 24/7, and our assistance is available in 170+ countries. All you need to do is make sure you have all the necessary documents with you, and you initiate the claim as soon as possible.
Just download our IndusInd Insurance app for quick support, claim filing, and let us handle the rest. Whether it is assistance during flight delays or a lost passport, we are always here to share your travel troubles.
Our Top Rated Products
Health
4.9
car
4.9
bike
4.9
PA
4.9
bike
4.9
PA
4.9
Download our IndusInd General Insurance App now!
Rate our service